640 E 10th Ct, Panama City, FL 32401 Property Records

Bay County property record for 640 E 10th Ct, Panama City, FL 32401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 2020
Lot Size	0.172 acres (7,492 sqft)
Owner	Company Name on File
Tax Bill	$251 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16657-000-000`

Property Details

APN / Parcel Number

Primary APN	`16657-000-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,284 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Driveway	Driveway
Driveway Area	220 sqft
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	640 E 10TH CT
City	PANAMA CITY
State	FL
Zip	32401-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PC09
Legal Description	4 4S 14W -197- 69A BEG 180 N & 329 W OF SE COR OF NE1/4 OF NE1/4 OF SW1/4 TH N 150E 50 S 150 W 50 TO BEG ORB 529P 457 FILE #78-82-CP ORB 4358 P 2182
Legal Range	14W
Legal Township	04S
Legal Section	04
Jurisdiction	BAY FL
Township / Civil Division	PANAMA CITY
Census Block Group	2
Census Block	2028
Census Tract	1600

Owner

640 E 10th Ct is owned by a company that acquired it in February 2021.

Source: Bay County records, as of May 6, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 607, CHIPLEY, FL 32428-0607
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 3, 2021	Intrafamily Transfer, Transfer
Sep 16, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 1, 2021
Transfer Doc	0043582182
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY FL
Property Address	640 E 10TH CT, PANAMA CITY, FL 32401-3408
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 35774, PANAMA CITY, FL 32412-5774

Mortgage

Document Number	0043430973
Date	Dec 29, 2020
Book Page	4343/973
Instrument	2020087522

Lender

Name	TRUIST BANK
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BAY FL
Recording Date	Feb 3, 2021
Property Address	640 E 10TH CT, PANAMA CITY, FL 32401-3408
Document Number	0043582182
Book / Page	4358 / 2182
Instrument Date	Feb 1, 2021
Instrument	2021007907
Transaction Type	Transfer
Record Updated	Dec 23, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 35774, PANAMA CITY, FL 32412-5774

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BAY FL
Recording Date	Sep 16, 2019
Property Address	640 E 10TH CT, PANAMA CITY, FL 32401-3408
Document Number	0041680067
Book / Page	004168 / 000067
Instrument Date	Sep 12, 2019
Instrument	81777
Transaction Type	Transfer
Record Updated	Oct 21, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 35774 PANAMA CITY FL 324125774, PANAMA CITY, FL 32412-5774

Tax Assessment & Valuation

The 2025 property tax bill for 640 E 10th Ct was $251, down 34.3% from the year before.

Source: Bay County assessment roll, as of January 5, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Bay County
Municipality	Panama City
Unified School District	Bay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$251.00 (-34.29%) Homeowner's exemption	$40,917	$148,399 Land $16,000 Building $132,399
2024	$382.00 (-23.9%)
2023	$502.00 (-10.36%) Homeowner's exemption	$38,606 (+3%)	$127,633 (+12.36%) Land $13,500 Building $114,133
2022	$560.00 Homeowner's exemption	$37,482	$113,590 Land $10,050 Building $103,540

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 640 E 10th Ct in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	9 (2008–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Hurricane Sally, Sep 2020 · 2 claims Hurricane Michael, Oct 2018 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 640 E 10th Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PANAMA CITY WATER SYSTEM serves 34,345 people · EPA ID FL1030517
Water Source	Purchased surface water from BAY COUNTY WATER SYSTEM
Last State Inspection	Feb 2026
Lead	1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
WOW Internet, Cable & Phone Cable	1,200 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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